How do auto insurance companies investigate fronting as in what do they look for?"

How do auto insurance companies investigate fronting as in what do they look for?

Insurance is very expensive when their is a main driver and if someone is listed as a secondary (occasional driver) the bill is significantly lowered and is able to legally drive the car. Therefore fronting is when for example a parent lists their kid as a occasional driver when in fact they are the main driver. It is illegal and can carry consequences. my question is specifically how does insurance companies distinguish in event of a accident claim when fronting has occured? I have seen a few things such as investigating actual ownership of vehicle and somehow companies look into credit card charges for gas or something idk how that works.. How do they find out? I imagine it would be incredibly difficult as companies don t follow the car around to see for themselves who the driver is.

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